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Georgia Life Insurance

 

Life Insurance Laws in Georgia are more designed to protect residents from claims instead of regulating the actual policies and coverage’s like is done on many other types of Georgia Insurance.

 

Most all laws regarding Life Insurance are covered under title 33 of the Code of Georgia.  This is where Georgia residents are guaranteed benefits like a 10 day free look.  A 10 day free look offers a consumer the right to cancel their life insurance policy, with in 10 days, for a full refund of their premiums.

 

Another mandated coverage for all Georgia Life Insurance Companies is for them to allow a 30 day grace period when it comes to paying premiums late.  As long as the premium gets to the insurance company within 30 days the policy is still considered in force.  Georgia Life Insurance Companies have 30 days to pay a claim and then it will begin earning interest.

 

In Georgia, Life Insurance companies will pay fees to join the Georgia Life and Health Guaranty Association.  This association protects the consumers from the insurance company going broke and not being able to pay claims.  The association offers maximum pay outs of $300,000 per person for a life insurance death claim.  All Georgia Life Insurance Companies must be licensed to be listed by this association so you can feel comfortable with the quality of company you are dealing with.

 

Georgia does offer some protections for Life Insurance Companies, one of which allows life insurance companies to terminate a policy, up to 2 years from when it was effective, for false statements made on the application.

 

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Georgia Life Insurance Policies

 

There are many policies and options when choosing a Georgia Life Insurance Contract. The most important question to answer is: How much insurance do you need?  Once that question is answered you can decide which policy is right for your family. By speaking with a Georgia Insurance Agent you can fully understand

the options available. QuicklyQuoteMe will give you some insight into the different policies available in the market place.

 

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GA Universal Life Insurance

This type of Georgia policy is also called GA permanent life insurance or GA whole life insurance. It provides either a level death benefit or variable death benefit to consumers. The underlying contract fund will grow on a more level basis than a comparable Georgia variable life insurance policy but it is certainly not Georgia guaranteed life insurance.

 

If you would like additional information about Universal Life Insurance in Georgia click here.

 

                            Request a Georgia Universal Life Insurance Quote

 

 

GA Variable Life Insurance

Georgia Variable Life Insurance combines permanent life insurance with an underlying investment account. It allows for further tax deferred savings in an account that can be accessed prior to retirement.  Each Georgia policy will allow many different fund options for the conservative investor or the aggressive. A professional Georgia Life Insurance Agent will be able to appropriately recommend when this policy. 

 

If you would like additional information about Variable Life Insurance in Georgia click here.

 

                            Request a Georgia Variable Life Insurance Quote

 

 

GA Term Life Insurance

Georgia Term Life insurance allows for an individual to fully protect their family while on a budget. It is offered in 10, 15, 20, and 30 year increments and is typically level for the entire time period. Due to many debts and financial obligations families are often left with less than adequate life insurance protection. By talking with a Georgia Insurance Agent you will get a proper recommendation for the correct amount of insurance. Many times it makes the most sense to combine a GA Whole Life Insurance Policy with a GA Term Life Insurance Policy into what is called a blend.

 

If you would like additional information about Term Life Insurance in Georgia click here.

 

                            Request a Georgia Term Life Insurance Policy

 

 

As a further resource for Georgia Life Insurance please go to this site and download the booklet:

 

Finding the Right Georgia Life Insurance Professional

 

A large part of the process is working with the right agent.  Start by asking for referrals to Georgia licensed agents from your accountants and/or attorneys. The attorney and accountant would be putting there reputation on the line if your future Georgia life insurance agent was unprofessional.

 

Does the Georgia agent have any professional designations? If an agent has one or more professional designations, it means that person has sought advanced training, passed rigorous exams and is serious about his or her professional growth and development. Keep in mind, though, that Georgia professional designations are just one factor to consider when choosing a Georgia agent. There are plenty of excellent Georgia insurance agents who haven't earned professional designations, so don't assume that one Georgia agent is better than another simply on the basis of earned designations, which are generally displayed as initials after his/her name.

 

Go through the following links to learn what some of the designations indicate:

Chartered Life Underwriter (CLU)

Life Underwriter Training Council Fellow (LUTCF)

Chartered Financial Consultant (ChFC)

Accredited Estate Planner (AEP)

Certified Financial Planner (CFP)

Registered Health Underwriter (RHU)

 

One other consideration is to ask whether the GA agent is a member of any professional organizations. This shows that the Georgia agent is actively involved in developing his or her skills and staying on top of the latest industry trends and developments. The three most prominent organizations are listed below:

National Association of Insurance and Financial Advisors (NAIFA)

The Million Dollar Round Table (MDRT)

Association for Advanced Life Underwriting (AALU)

 

 

 

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If you are a Life insurance agent looking for Georgia Life Insurance Leads click here.

 

 

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